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The Employee Retirement Income Security Act (ERISA) is a federal law that governs most insurance claims against employer provided plans. This includes everything from disability and health claims to pensions and other retirement plans. Unfortunately, though ERISA provides some important basic protections to workers, insurance companies also know how to manipulate the strict claims process to their own benefit.
In all too many cases, ERISA claims are improperly denied. When this happens, many qualified applicants simply give up on recovering their benefits. Do not let this happen to you. You still have options available. At Kantor & Kantor, our dedicated Millbrae ERISA attorneys help workers get the full compensation that they are owed. If your ERISA claim was denied in Millbrae, please do not delay in reaching out to our legal team for free legal guidance.
The first step in the ERISA claims process is preparing and submitting the initial application for benefits. When preparing an application, it is important to make sure that you fill out the forms properly and submit all relevant supporting evidence. If you have any questions, you should not hesitate to consult with a Millbrae ERISA lawyer.
Once you submit your application, the insurance company has up to 105 days to issue a decision on your case. Hopefully, the insurer will pay you the full benefits you deserve after it receives your initial application. Sadly, that does not always happen. If your claim has not been approved, the insurer is required to send you a written denial that explains why the claim was rejected. Get this letter to an attorney immediately. Your lawyer can help you determine what needs to be done to address the denial.
Under ERISA regulations, all denied claims must first be appealed directly to the insurance company. You only have 180 days to submit your administrative appeal. All supplemental evidence must be submitted during this stage of the claims process. The failure to do so could result in your claim being automatically denied. It is highly recommended that you get a Millbrae ERISA claims lawyer by your side before you submit an administrative appeal.
At Kantor & Kantor, our top Bay Area ERISA lawyers have helped many people recover the full and fair compensation that they deserve. If your ERISA claim was denied in Millbrae, CA, we are here to fight for your legal rights. To arrange a free, fully confidential evaluation of your California ERISA claim, please reach out to our law office today.
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